Plan for a more confident retirement

Retirement is a new beginning with many exciting possibilities, but there are also many unanswered questions and challenges. At RiverSource, we understand that to live the life you envision, you need a financial solution to help put a confident retirement within reach.

What challenges will you face?

• How many years will you live in retirement?
• How will inflation impact your purchasing power?
• How will the market perform when it matters most?
• How much money can you safely spend?
• How will the ups and downs of the market impact your investing strategy?

RiverSource variable annuities can help you address these risks with more confidence and build your retirement portfolio in a number of powerful ways. They are designed to help you grow your assets with protection, live more confidently in retirement, and share your legacy with those people and causes that matter most.

Embrace your future. Take charge with a RiverSource variable annuity.

No matter how hard you work to build your retirement portfolio, you simply can't predict market performance, inflation, how long you'll live or future life events. The good news? With help from your financial advisor, you can take charge of your financial future with the unique benefits of a RiverSource variable annuity — a key tool to help you achieve the retirement you envision. Annuities provide growth potential, a variety of income options and optional guarantees that can help you address these challenges throughout your retirement.

Unique benefits of variable annuities

The unique features of a RiverSource annuity can help you address the challenges you may face.

• When you're accumulating assets, you want to accumulate as much as possible. Generally, as an annuity owner you don't have to pay any taxes on earnings until you begin to take withdrawals, so your investment can grow faster. You'll have access to a wide range of investment options that provide growth potential as well as a guaranteed fixed rate account all within the same investment.
   
• When you've retired, you want to make the most of what you have. RiverSource variable annuities offer flexible payout options that allow you to create an income stream to fit your retirement goals and needs. You can even choose to receive income for the rest of your life — guaranteed.
   
• When you're making provisions for your beneficiaries, you want to leave as much for them as possible. RiverSource variable annuities offer a death benefit and, for an additional fee, optional death benefit riders to help protect your assets from fluctuations in the stock market and maximize the wealth you pass on to your beneficiaries.

Variable annuities can help you weather market volatility and make the most of your retirement investment, with guarantees backed by the strength and stability of RiverSource Life Insurance Company and in New York, RiverSource Life Insurance Company of NY.

Talk with your Ameriprise financial advisor today to learn more about how RiverSource annuities can help you reach your retirement goals. Or, call our Ameriprise Advisor Center at (800) 257-8740 8 a.m. to 5 p.m. Central time Monday through Friday.

The guarantees offered by RiverSource^® variable annuities are backed by the strength and soundness of RiverSource Life Insurance Company, or in New York, RiverSource Life Insurance Co. of NY, and our continued claims-paying ability. These guarantees do not apply to the performance of the investments in your annuity, which will vary with market conditions.